Rates and fees verified as correct at 23 January, 2021. Other information correct at the time of writing. Advertiser disclosure.
With a fixed rate home loan from Hunter United Credit Union you can borrow amounts starting from $100,000 up to 95% of the property’s value for owner occupiers or 80% for investors. You’ll pay an upfront application fee plus a monthly service fee, but in return you’ll get the ability to make as many free extra repayments as you like, plus the opportunity to take a repayment holiday if you need to. You can also choose between weekly, fortnightly or monthly repayments.
| Product | Fixed 3 year rate | Comparison Rate | Service fee | Upfront fee | Monthly repayments ‡ |
|---|---|---|---|---|---|
| p.a. | n/a | $0.00 | $350 | ||
| p.a. | n/a | $0.00 | $350 |
Hunter United Credit Union’s variable rate home loans, like the fixed rate alternatives, allow you to borrow amounts starting from $100,000, up to 95% of the property’s value if you’re living in it, and up to 80% if you’re an investor. You’ll get the ability to make unlimited free extra repayments, a redraw facility - although a minimum amount and fees apply - the chance to take a repayment holiday, and the use of an offset account. Keep in mind, there is an application and monthly service fee to consider.
| Product | Rate | Comparison Rate | Service fee | Upfront fee | Monthly repayments ‡ |
|---|---|---|---|---|---|
| 4.09% p.a. | 4.11% p.a. | $0.00 | $350 | ||
| 4.20% p.a. | 4.22% p.a. | $0.00 | $350 | ||
| 2.99% p.a. | 3.01% p.a. | $0.00 | $350 | ||
| 3.49% p.a. | 3.49% p.a. | $0.00 | $0 | ||
| 2.69% p.a. | 2.69% p.a. | $0.00 | $0 | ||
| 2.69% p.a. | 2.69% p.a. | $0.00 | $0 | ||
| 3.35% p.a. | 3.37% p.a. | $0.00 | $350 | ||
| 4.09% p.a. | 4.11% p.a. | $0.00 | $350 | ||
| 3.69% p.a. | 3.69% p.a. | $0.00 | $0 | ||
| 2.89% p.a. | 2.89% p.a. | $0.00 | $0 | ||
| 3.59% p.a. | 3.61% p.a. | $0.00 | $350 |
For package benefits galore, check out the variable rate home loan package from Hunter United Credit Union. It’s available for amounts from $100,000, up to 95% for owner occupiers and 80% for investors. When you take out this home loan, you’ll be able to make unlimited free extra repayments, take a repayment holiday and access a redraw facility, although fees and a minimum amount applies to the latter. You’ll also have the use of an offset account. For all this, you’ll pay no upfront fees, but there is a yearly service fee attached.
| Product | Rate | Comparison Rate | Service fee | Upfront fee | Monthly repayments ‡ |
|---|---|---|---|---|---|
| 4.39% p.a. | 4.67% p.a. | $295.00 yearly | $0 | ||
| 4.39% p.a. | 4.67% p.a. | $295.00 yearly | $0 |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
‡ Results from this calculation are estimates only as individual lenders apply different formulas. Actual repayments will depend on your individual circumstances and interest rate changes.
Make free extra repayments on your Hunter United home loan and save on interest. Plus, there are no early break fees!
Opt for a variable rate home loan option, and you’ll get the use of an offset account, to help you pay less interest on your mortgage. Keep in mind this feature isn’t available on fixed rate options.
On any Hunter United Credit Union home loan, you can set your repayment schedule to fit your budget, with monthly, fortnightly or weekly repayments.
Mozo users have rated Hunter United home loans on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
7 Reviews
Hunter United provide a service which is personal but professional, and i always feel trusted and in good hands when dealing with them.
Read full reviewHunter United provide a service which is personal but professional, and i always feel trusted and in good hands when dealing with them.
Spoke to Hunter United seeking a home loan for construction. From the start, I was told the finances looked great, LVR of less than 50%, income well within that required to service the loan. They asked for lots of paperwork, all the usual stuff, and then I just kept getting told it was just going to take time considering the current working climate. After 5 weeks of waiting I have now been told that is not in their policy to even consider us for a loan. No reason offered. Nothing. Terrible customer service. Impossible to get straight answers. Don't waste your time looking at their attractive rates. Go for a larger and more well known lender.
Read full reviewSpoke to Hunter United seeking a home loan for construction. From the start, I was told the finances looked great, LVR of less than 50%, income well within that required to service the loan. They asked for lots of paperwork, all the usual stuff, and then I just kept getting told it was just going to take time considering the current working climate. After 5 weeks of waiting I have now been told that is not in their policy to even consider us for a loan. No reason offered. Nothing. Terrible customer service. Impossible to get straight answers. Don't waste your time looking at their attractive rates. Go for a larger and more well known lender.
Been with this bank for 40 years.
Read full reviewBeen with this bank for 40 years.
I love the friendly staff and feeling of personalised banking. When applying for the home loan, they were very professional and helpful, like I was dealing with friends. I've been banking with them for nearly 30 years and couldn't be happier with my experience.
Read full reviewI love the friendly staff and feeling of personalised banking. When applying for the home loan, they were very professional and helpful, like I was dealing with friends. I've been banking with them for nearly 30 years and couldn't be happier with my experience.
A great credit union to be with just over 30 years.
Read full reviewA great credit union to be with just over 30 years.
To take out a home loan with Hunter United, you’ll first need to become a member, which you can do by filling out an application form and buying a member share. When you go to apply for the home loan, you’ll need to register your interest online, set up a meeting with a lender or visit your nearest branch.
So that everything goes as smoothly as possible, make sure you have these details on hand:
